Homeowners Insurance in Fred, TX
Homeowners insurance covers your dwelling, personal property, and personal liability if someone is injured on your property. In Texas, most policies follow the standard HO-3 form. Hurricane-exposed regions (Gulf Coast) often need separate windstorm coverage through TWIA.
7 homeowners insurance agencies in Fred
Within 15 miles of Fred, TX. Click any agency to view profile, contact info, and request a quote.
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
Morgan Insurance Agency is a family‑owned business in Silsbee, Texas, specializing in auto, home, motorcycle, boat, RV, and ATV insurance. The owner, David Morgan, has been licensed for over 40 years and has served the area since 1969, offering personal attention and flexible coverage options.
Marcus Renfrow is a State Farm® insurance agent located in Silsbee, Texas. The agency offers a range of insurance products including auto, homeowners, condo, renters, personal articles, business, life, and health. Office hours are Monday‑Friday 9:00am‑5:00pm and appointments are available after hours.
Licensed insurance agency in Silsbee, TX; represents 1 carrier.
Licensed insurance agency in Fred, TX. Contact directly for available products and carriers.
Licensed insurance agency in Silsbee, TX; represents 2 carriers.
Licensed insurance agency in Silsbee, TX; represents 3 carriers.
Frequently asked questions
Is homeowners insurance required in Texas?
Not by state law, but mortgage lenders require it as a condition of the loan. If you own outright, it's optional but strongly recommended.
Does homeowners insurance cover floods?
No. Flood damage requires a separate flood policy, typically through the National Flood Insurance Program (NFIP) or a private flood carrier.
What's the difference between actual cash value and replacement cost?
Actual cash value pays out what your damaged property is worth today (after depreciation). Replacement cost pays the full cost to replace it new. Replacement cost is more expensive but pays out more after a loss.